12808 Elgin Ave, Lubbock, TX 79423 Property Records

Lubbock County property record for 12808 Elgin Ave, Lubbock, TX 79423

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,213 sqft · built 2015
Lot Size	0.509 acres (22,196 sqft)
Owner	Individual Name on File
Tax Bill	$6,653 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R324960`

Property Details

APN / Parcel Number

Primary APN	`R324960`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,213 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	22,196 sqft (0.509 acres)
Garage Area	1,145 sqft
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12808 ELGIN AVE
City	LUBBOCK
State	TX
Zip	79423-6164
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLA MIA ESTATES L 91
Legal Subdivision	BELLA MIA ESTATES
Legal Lot Number	910
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1075
Census Tract	10512

Owner

12808 Elgin Ave is owned and occupied by an individual who acquired it in August 2018.

Source: Lubbock County records, as of February 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12808 ELGIN AVE, LUBBOCK, TX 79423-6164
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2018	Vendor's Lien, Transfer · Conventional Mortgage PRIMELENDING
Mar 6, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2018
Deed Sale	Aug 1, 2018
Prior Sale	Sep 14, 2015 · Amount on File
Deed Document Number	2018028915
Record Updated	Jun 8, 2026

August 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Aug 1, 2018
Property Address	12808 ELGIN AVE, LUBBOCK, TX 79423-6164
Document Number	0000028915
Map Reference	CLERK2014027918
Instrument Date	Jul 31, 2018
Instrument	2018028915
Transaction Type	Transfer
Record Updated	Jul 20, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9302 AGAVE AVE, 9302, ODESSA, TX 79765-2235

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12808 ELGIN AVE, LUBBOCK, TX 79423-6164

Mortgage

Document Number	0000028916
Date	Aug 1, 2018
Instrument	2018028916

Lender

Name	PRIMELENDING
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	12808 ELGIN AVE, LUBBOCK, TX 79423-6164
Document Number	0000008820
Instrument Date	Mar 6, 2017
Transaction Type	Mortgage
Record Updated	Mar 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12808 ELGIN AVE LUBBOCK TX 794236164, LUBBOCK, TX 79423-6164

Mortgage

Document Number	0000008820
Date	Mar 13, 2017
Instrument	8820

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12808 Elgin Ave was $6,653 with a homeowner's exemption, down 7.5% from the year before.

Source: Lubbock County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Lubbock County
Municipality	Lubbock City
Unified School District	Lubbock-Cooper Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,653.00 (-7.47%) Homeowner's exemption	$400,505 Land $30,800 Building $369,705	$400,505 Land $30,800 Building $369,705
2024	$7,190.00 (+9.99%)
2023	$6,537.00 (-7.57%) Homeowner's exemption	$366,226 Land $30,800 Building $370,465	$401,265 Land $30,800 Building $370,465
2022	$7,072.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12808 Elgin Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 12808 Elgin Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LUBBOCK PUBLIC WATER SYSTEM serves 266,450 people · EPA ID TX1520002
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Rise Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Metronet.

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